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20100901
20100930
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to make smarter financial decisions. here with us for the entire show is clinical psychologist jeff gardiere and personal financial author and joining us as well is doug flynn of flynn, zito capital management. thank you for joining us here. >> thank you. >> i want to go ahead and start this morning with a bit about budgeting. it's a big one. no one wants to talk about it. we really need to. i think a lot of folks really underestimate how important it is. let's get the conversation started. in the midwest, let's listen to this i-report from wisconsin. >> you guys rely on tax time more than any time of the year? >> great for retail store. >> christmas season for a retail store. guy daniels, the owner of expressions ink, a tattoo shop. tell us, tax time, it's way behind us now. what is business looking like these days? >> it tends to slow down about this time of year because people are spending money for their children's school supplies and school clothes. we still stay steady. it's just not as busy as it is during tax season. >> does this mean then you've had to sort of pad your budg
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